What Should You Do After a Non-Fault Accident?
If you've been involved in an accident that wasn’t your fault, here are the most important steps to take.
Make sure everyone is safe
Exchange driver and vehicle details
Take photos of the scene and any damage
Avoid discussing liability at the roadside
Speak to an independent accident management team before making final decisions
Many drivers contact their insurer first without realising they may have other options.
In non-fault situations, independent accident management can provide coordinated recovery, repairs and like-for-like replacement vehicles — often without requiring you to pay an excess upfront.
Speaking to a specialist team early helps you understand what support is available before deciding how to proceed.
How We Support You After a Non-Fault Accident
From recovery at the roadside to repairs and replacement vehicles, we coordinate the entire process independently — so you can get back on the road with minimal disruption.
Roadside Recovery
If your vehicle is not drivable, we arrange prompt recovery to an approved repair centre, ensuring everything is handled correctly from the outset.
Repair Management
We coordinate inspections, estimates and repairs through trusted repair networks, keeping the process clear, transparent and stress-free.
Like-for-Like Replacement
If your vehicle is unroadworthy, we arrange a like-for-like replacement within 24–48 hours, keeping you mobile during repairs without any upfront payment (T&Cs apply).
Specialist Legal Support
If your accident involves more than vehicle damage, we connect you with trusted, regulated legal professionals for appropriate support.
Understanding Your Options After a Non-Fault Accident
When you are involved in a non-fault accident, you may assume that contacting your insurer is your only route.
While this can feel straightforward, it is not the only option available.
Independent accident management allows you to understand the full range of support — including coordinated recovery, repairs and like-for-like replacement vehicles — before committing to a particular route.
Taking advice early helps you make an informed decision based on what works best for you.
If you manage vehicles for a business, our Fleet Accident Management support provides structured solutions for companies across Scotland.
Clear explanation of your options
No upfront excess in eligible non-fault cases
Coordinated recovery and repairs
Replacement vehicle where appropriate